How many small businesses are in Idaho?

Idaho has approximately 196,000 small businesses, representing 99.3 percent of all businesses in the state. They employ 363,000 workers — 48.5 percent of Idaho's private workforce. Source: SBA Office of Advocacy, 2024 Small Business Profile.

How active is SBA 7(a) lending in Idaho?

Idaho received 531 SBA 7(a) loan approvals in FY2024, totaling $222 million. The average loan size was approximately $417,500. Source: SBA FOIA loan dataset, FY2024 aggregate.

Does Idaho have a commercial financing disclosure law?

No. Idaho has not enacted a statewide commercial financing disclosure law as of 2026.

What financing products work best for Idaho small businesses?

Agricultural businesses use equipment financing and seasonal working capital. Construction businesses use equipment financing and SBA 7(a). Tech and professional services firms use working capital lines. The right product depends on your industry and revenue profile.

Is ClearValue Lending available in Idaho?

Yes. ClearValue Lending routes Idaho SMB applicants to lender partners operating across Boise, Nampa, Meridian, Idaho Falls, Coeur d'Alene, and statewide. We are a funding platform, not a lender or broker.

What are typical eligibility minimums for Idaho SMB financing?

SBA 7(a) typically requires 2+ years in business, 650+ FICO, and $150,000+ annual revenue. Revenue-based financing may be available with 500+ FICO, 6+ months in business, and $10,000+ monthly revenue. All financing is subject to lender underwriting.

Small Business Loans in Idaho

Idaho has 196,000 small businesses employing 363,000 workers — 48.5 percent of the state's private workforce. In FY2024, Idaho small businesses received 531 SBA 7(a) loans totaling $222 million, with an average loan size of approximately $417,500. Idaho has been among the fastest-growing states in the country for the past decade — the Treasure Valley (Boise metro) has attracted significant corporate relocation and population migration from California and the Pacific Northwest, creating one of the most active SMB formation markets in the Mountain West.